Call reports 2019
CAMBRIDGE SAVINGS BANK — 2019
What CAMBRIDGE SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 3,965,646,000 | 4,118,359,000 | 4,125,490,000 | 4,297,767,000 |
| Total loans | 3,121,273,000 | 3,155,794,000 | 3,237,557,000 | 3,393,529,000 |
| Allowance for loan losses | 33,513,000 | 34,026,000 | 33,697,000 | 34,102,000 |
| Securities available for sale | 507,901,000 | 507,257,000 | 508,988,000 | 496,688,000 |
| Securities held to maturity | 86,558,000 | 88,178,000 | 89,986,000 | 91,930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,942,745,000 | 3,046,550,000 | 3,133,167,000 | 3,153,346,000 |
| Interest-bearing deposits | 2,326,069,000 | 2,438,550,000 | 2,523,466,000 | 2,520,242,000 |
| Noninterest-bearing deposits | 616,676,000 | 608,000,000 | 609,701,000 | 633,104,000 |
| Equity capital | 391,870,000 | 407,291,000 | 418,454,000 | 425,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 40,587,000 | 82,138,000 | 123,793,000 | 165,018,000 |
| Interest expense | 9,894,000 | 20,625,000 | 31,506,000 | 41,847,000 |
| Net interest income | 30,693,000 | 61,513,000 | 92,287,000 | 123,171,000 |
| Noninterest income | 2,070,000 | 5,643,000 | 8,303,000 | 11,222,000 |
| Noninterest expense | 20,127,000 | 41,114,000 | 62,453,000 | 85,751,000 |
| Provision for loan losses | 725,000 | 1,225,000 | 1,225,000 | 1,625,000 |
| Pretax income | 11,895,000 | 24,811,000 | 36,936,000 | 49,545,000 |
| Income tax | 2,516,000 | 5,402,000 | 8,019,000 | 10,603,000 |
| Net income | 9,379,000 | 19,409,000 | 28,917,000 | 38,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 388,043,000 | 398,300,000 | 408,172,000 | 417,397,000 |
| Total capital | 420,826,000 | 432,105,000 | 442,534,000 | 452,562,000 |
| Risk-weighted assets | 3,124,309,000 | 3,181,061,000 | 3,260,871,000 | 3,443,174,000 |